Institution Statistics
| FELICIANA | | NCUA # | 13687 | | BankRate Report | View | | Year Chartered | 1960 | | Employees | 9 | | Primary Regulator | |
Assets and Liabilities | | Assets | $24.27 million | | Loans | $16.89 million | | Deposits | $18.90 million | | Equity Capital | $4.87 million | | Loan Loss Allowance | $133,000 | | Unbacked Noncurrent Loans | $168,000 | | Real Estate Owned | $84,000 |
Historic Data - December 2010 | | Assets | $25.95 million | | Equity Capital | $4.75 million | | Loan Loss Allowance | $164,000 | | Unbacked Noncurrent Loans | $72,000 | | Real Estate Owned | $272,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.9% | | Return on Assets | 0.36% | | Return on Equity | 1.81% | | Interest Income | $1.46 million | | Non-Interest Income | $278,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Feliciana Credit Union had $252,000 in non-current loans and owned real-estate with $5.01 million in equity and loan loss allowances on hand to cover it. This gives Feliciana Credit Union a Texas Ratio of 5.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Feliciana Credit Union decreased slightly from 7.00% as of December 31, 2010 to 5.03% as of December 31, 2011, resulting in a positive change of 28.10%.This indicates that the balance sheet and financial strength for Feliciana Credit Union has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Feliciana Credit Union has decreased its total deposits by -$1.55 million, resulting in -7.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Feliciana Credit Union has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Feliciana Credit Union has $24.27 million in assets with $5.01 million in equity, resulting in a capitalization level of 20.63%, which is excellent. |
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